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农村金融市场失灵表现为农村信贷供给不足以及信贷配给严重。造成农村金融市场失灵的原因在于竞争不充分、信息不对称、交易成本高、系统性风险大等。消除农村金融市场失灵在于增加制度供给,包括开放农村金融市场,完善以合作金融为基础的农村金融体系,完善农业贷款的激励约束机制,发展农业贷款担保和保险等。本文从市场失灵的角度分析了造成农村金融发展滞后的原因并提出了发展对策。
The failure of rural financial markets is characterized by inadequate rural credit supply and serious credit rationing. The causes of rural financial market failure are inadequate competition, asymmetric information, high transaction costs and large systemic risks. The elimination of rural financial market failure is to increase institutional supply, including opening up rural financial markets, improving the rural financial system based on cooperative finance, improving the incentive and restraint mechanisms for agricultural loans, and developing agricultural loan guarantees and insurance. From the perspective of market failure, this article analyzes the reasons for the lagging development of rural finance and puts forward the development countermeasures.